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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,946 | $157,296-88.0% | $141,191-86.6% | $152,897-87.6% |
| Participation rate | 64.7% | 84.8%-20.1pp | 82.5%-17.8pp | 82.5%-17.7pp |
| Annual return | 22.40% | 64.34%-41.9pp | 71.41%-49.0pp | 345.43%-323.0pp |
| Employer contribution / active EE | $1,314 | $5,262-75.0% | $4,736-72.3% | $4,764-72.4% |
| Participant deferral / active EE | $4,285 | $7,111-39.7% | $6,710-36.1% | $5,851-26.8% |
| Admin fee / account holder | $7,132 | $12,125-41.2% | $10,264-30.5% | $11,599-38.5% |